Rates quoted on June 15, 2026 for a 35-year-old female driver with a clean record in San Antonio, TX (ZIP 78205). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.

We pulled 2020 Ford F-150 insurance quotes from four carriers on a single day, holding the driver, the truck, and the coverage constant. The cheapest came back at $1,059.50 for six months. The most expensive came back at $2,102.10.

That is a gap of $1,042.60 for nearly identical protection, and it lands on this profile with a spotless record and nine years of prior coverage. The numbers below show why shopping around matters more than any single discount.

Every quote used the same San Antonio driver and the same 2020 Ford F-150 XLT. The only thing that changed was the company doing the math. That is the whole point of a 2020 Ford F-150 insurance comparison. One carrier’s idea of a fair price for this truck was almost double another’s.

The Driver Profile

This profile covers a single 35-year-old female driver in San Antonio, Texas (ZIP 78205). Her record is clean. The inputs used for every quote were the same:

• Age 35, single, female, licensed 19 years in Texas, valid license
• No accidents in 3 years, no violations in 3 years, no DUI, no SR-22 needed
• Homeowner, employed as a truck driver, bachelor’s degree
• Prior carrier Auto-Owners, 9 years insured, no lapse, prior 100/300 limits
• 2020 Ford F-150 XLT, financed (lienholder Ford Motor Credit)
• 20,000 annual miles, primary use pleasure
• Paperless and auto-pay enabled

This is about as clean as a file gets. No claims, no lapses, long license history, and a home in her name. A driver like this should price near the low end of the market, and most carriers agreed. One did not.

The Coverage Package

Every carrier was asked to quote the same limits so the numbers compare cleanly:

• Bodily injury liability: 100/300
• Property damage liability: $100,000
• Collision deductible: $500
• Comprehensive deductible: $500
• Uninsured and underinsured motorist: Yes

These limits sit well above the Texas state minimum of 30/60/25, which is $30,000 in bodily injury per person, $60,000 per crash, and $25,000 in property damage (Texas Department of Insurance). The minimum is cheap and thin. This profile carried real limits, the kind that protect a homeowner’s assets after a serious crash, and that is what makes these 2020 Ford F-150 insurance quotes worth comparing.

Results

Here is how the four carriers ranked on this exact profile, cheapest first. All figures are six-month premiums.

CARRIER	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
Progressive	$1,059.50	$176.58	baseline
GEICO	$1,121.00	$186.83	+$61.50
Travelers	$1,702.50	$283.75	+$643.00
State Farm	$2,102.10	$350.35	+$1,042.60

Source: InsuranceRateGuard.com quote data, June 2026. Quotes pulled directly from each carrier’s website using the profile above.

Two caveats matter before the carrier breakdown. This profile is a synthetic test driver with no credit history, so GEICO and State Farm returned no-credit-hit estimates, not bound rates. Credit, or more precisely a credit-based insurance score, moves prices a lot in Texas, so a real driver’s numbers will shift up or down from these.

The Travelers quote also sits at that carrier’s default coverage, not the full target, so it is not a true apples-to-apples line. More on that below.

Carrier by Carrier

Progressive came in cheapest on this profile at $1,059.50 for six months on a monthly payment plan that includes installment fees. Paying the full six months up front dropped it to $925.50, so the real floor here is lower than the table shows. This was a custom package built to the full 100/300 target with $500 deductibles and uninsured motorist coverage included.

We declined the Snapshot telematics program, so there was no usage tracking baked into this price. For a clean 2020 Ford F-150 insurance profile, Progressive set the pace.

GEICO landed just behind at $1,121.00 for six months, only $61.50 more than Progressive. This quote matched the full target coverage and included the DriveEasy telematics program plus paperless and auto-pay discounts, which helped pull the number down. Remember that GEICO’s figure is a no-credit-hit estimate, so a real applicant’s price could move once a credit-based insurance score is pulled. Even so, Progressive and GEICO finished within about ten dollars a month of each other, and both are strong options for this truck.

Travelers came back at $1,702.50 for six months, but the coverage does not match. Its quote sat at Travelers’ default limits, which carried the 100/300 bodily injury we wanted but only $50,000 in property damage instead of $100,000, with deductibles and uninsured motorist details not shown before purchase. Travelers hides its coverage editor behind the buy button, so we recorded the default-coverage price rather than force a change. Because the property damage limit is lower than target, the true apples-to-apples number would likely be higher, not lower, which makes Travelers look worse against this field, not better.

State Farm was the most expensive at $2,102.10 for six months, more than a thousand dollars above Progressive for the same six months of driving. This quote did match the full target coverage, with one state quirk: Texas caps State Farm’s uninsured motorist bodily injury at 50/100 here, so that one limit came in lower than the 100/300 elsewhere. Like GEICO, State Farm’s price is a no-credit-hit estimate. On this clean profile, it simply did not compete with the two front-runners.

What Drives 2020 Ford F-150 Insurance Prices in San Antonio

San Antonio is not a cheap place to insure a truck. Full-coverage car insurance in the city averages about $3,526 a year, which works out to roughly $1,763 for six months (NerdWallet). Against that backdrop, the Progressive and GEICO quotes for this profile both came in well below the local average, while State Farm landed above it. A clean record, homeowner status, and nine years of continuous coverage are doing real work to hold these prices down.

The truck itself matters too. Full-size pickups like the F-150 are among the most frequently stolen vehicles in the country, and theft losses feed straight into comprehensive premiums (Insurance Information Institute). The F-150 also costs more to repair than a small sedan, with pricier body panels and more advanced driver-assist sensors to recalibrate after a crash. That is why a 2020 Ford F-150 insurance quote often runs higher than a compact car quote for the same driver in the same ZIP.

Uninsured drivers push San Antonio prices up as well. A meaningful share of Texas drivers carry no insurance at all, which is why uninsured and underinsured motorist coverage matters so much on a truck like this one (Insurance Research Council). When an uninsured driver hits you, that coverage is what pays to fix the F-150 and cover your injuries.

This profile kept it on every quote, and the cost of adding it was small next to the protection it buys. Dropping it to save a few dollars would be a poor trade in a city with this many uninsured cars on the road.

Texas pricing also leans on credit more than many states allow. A strong credit-based insurance score can save a real driver hundreds, while a weak one can erase the gap between the cheapest and priciest carrier here. Since this test profile had no credit file, the spread you see is driven mostly by each carrier’s base rating of the truck and the city, not by credit. Your own 2020 Ford F-150 insurance result will reflect your score on top of everything above.

How to Save on Insurance

Six moves can lower a 2020 Ford F-150 insurance bill in San Antonio.

1. Shop at least three carriers on the same coverage. The spread on this profile was $1,042.60 for six months between the cheapest and most expensive quote on the same truck. Compare several carriers head to head, and start with our car insurance by state guide.
2. Pay in full when you can. Progressive’s six-month price dropped from $1,059.50 to $925.50 just by skipping the monthly installment plan and its fees.
3. Raise your deductibles if you have the savings to cover them. Moving from a $250 to a $500 deductible usually trims the collision and comprehensive part of the bill. The F-150 holds value well enough to make that trade reasonable for many owners. Learn how the math works in our explainer on deductibles and auto insurance.
4. Stack the easy discounts. This profile picked up savings from paperless billing, auto-pay, and homeowner status, and GEICO’s telematics program lowered its price further. Ask each carrier which discounts you already qualify for.
5. Protect your credit. In Texas, a credit-based insurance score can swing your rate more than almost any other factor you control. Pay on time and keep balances low.
6. Keep your record and coverage clean. Nine years insured with no lapse and no claims is one of the strongest rate factors a driver owns, and a single gap can undo it.

Across this profile, the cheapest and most expensive quotes were $1,042.60 apart for the same six months of coverage. Shopping a few carriers on matched limits is the surest way to land near the low end of that range instead of the high one, and it costs nothing but an hour of your time.

Sources Used

• Texas Department of Insurance, Automobile Insurance Guide: tdi.texas.gov
• NerdWallet, Cheap Car Insurance in San Antonio, TX: nerdwallet.com
• Insurance Information Institute, Facts and Statistics on Auto Theft: iii.org
• Insurance Research Council, Uninsured Motorists research: insurance-research.org
• InsuranceRateGuard.com, June 2026 quote runs across Progressive, GEICO, Travelers, and State Farm.

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For related reading, see our car insurance by state guide and our breakdown of car insurance rates by vehicle type.